Medicare in Wisconsin

Medicare in Wisconsin, just like Medicare in Massachusetts and Minnesota, has some particularities when compared with the rest of the U.S. Although the benefits of Medicare are the same in all the states, in Wisconsin some plans may vary. In case you live in Wisconsin and are interested in knowing your options or you are just curious about it, we will explain you the differences and similarities between this state and the rest of the country.

What are the similarities between Medicare in Wisconsin and the rest of the U.S?

     The main services offered by Medicare in the U.S are also available in Wisconsin. The following Medicare benefits are available in Wisconsin:

  • Original Medicare Part A (hospital insurance) and Part B (medical insurance) are available for Wisconsin’s residents. They have the same coverage and benefits as in any other state. If you want to join it you must apply during the Initial Enrollment Period when you are turning 65 or apply manually if you suffer from End-Stage Renal Disease. You are automatically enrolled if you suffer from amyotrophic lateral sclerosis or if you are receiving Social Security Services disability benefits. Remember that in the previous cases you receive Part A for free but you must pay a monthly premium for Part B in case you want it.
  • Original Medicare Part C or Medicare Advantage Plans are also available. This must cover the same as Original Medicare and includes more benefits that will depend on the plan you choose, like dental or hearing care. Remember that you join Part C through private insurance companies and the prices vary depending on the one you choose.
  • Medicare Part D or Medicare Prescription Drug Coverage is also available. This is very helpful if you don’t have a Medicare Advantage Plan that has prescription coverage or if you have Original Medicare and you want to save some dollars.

      What are the differences between Medicare in Wisconsin and the rest of the U.S?  

Unlike other states in the U.S, Medicare in Wisconsin does not have such a wide variety of Medicare Supplement Plans. In this state they offer a Basic plan with some riders that you can add to it and a couple more plans that are similar to other plans offered in the rest of the country.

     What does the Basic Plan cover in Wisconsin?

     The Basic plan covers the following services:

  • Medicare Part A coinsurance for inpatient hospital care.
  • Medicare Part B coinsurance (generally 20% of the Medicare-approved amount).
  • The first three pints of blood each year.
  • Medicare Part A hospice coinsurance or copayment.
  • Medicare Part A skilled nursing facility (SNF) coinsurance.
  • 175 days per lifetime in addition to Medicare’s benefit of inpatient mental health coverage. Medicare has coverage of 190 lifetime days of inpatient days in a mental health hospital.
  • 40 home health care visits in addition to those paid for by Medicare.
  • State mandated benefits.

Other Medigap policies available in Wisconsin

There are also two Medicare Supplemental plans offered by Medicare in Wisconsin through private companies called “50% Cost-sharing Plan” and “25% Cost-sharing Plan”. They are similar to standardized Plans L (50%) and L (25%) available in the rest of the country, There is also a high deductible plan of $2000 available.

Riders offered to Medicare Supplement Plans

     Some private insurance companies also offer a list of riders that you can add to the Medigap policy of your preference. The prices and premiums will depend on the company that you choose. Those riders are:

  • Medicare Part A deductible.
  • Additional home health care (365 visits including those paid by Medicare).
  • Medicare Part B deductible.
  • Medicare Part B excess charges.
  • Foreign travel emergency.
  • 50% Part A deductible.
  • Medicare Part B copayment or coinsurance.

Why pick Mutual of Omaha Medicare for Medicare supplement plans of insurance

Choosing Medicare supplement of Mutual of Omaha medicare supplement plan G is not any compulsion. But majority people are reaching to Medicare supplement owing to its best access and because Mutual of Omaha Medicare is serving the market of Medicare Supplement for over forty years, right from the time Medicare started.  Medicare supplement plans also received $6.35 billion as policy benefits right from the time of its initiation in the year 1966 and in 2009 alone it received $945 million. There is continuous commitment of Mutual of Omaha Medicare towards the supplement policy. You can also compare the prices and see the plans available in competitive prices, if you are a new buyer of Medicare Supplements.

The advantage is that the Parts A and B of Medicare supplements are done free of hassles eliminating the paper work as it is now done electronically and the claims get processed with ease. Apart from this, there is knowledgeable, professional and friendly service.

Mutual of Omaha Medicare is the top 3 insurance companies providing Medicare Supplement Plans of Insurance. They also provide the world class excellent customer service and have proven by offering processing of efficient claims and this is the reason that the health care providers enjoy working in association. Mutual of Omaha Medicare has four companies functioning in different states, and this includes Mutual of Omaha, United World, United of Omaha, and Omaha Insurance Company.

Mutual of Omaha was established in 1909, and it has its headquarters in Omaha, Nebraska. The subsidiaries consist of United of Omaha, United World, Companion Life, Omaha Insurance Company, Omaha Financial Holdings, Inc., Mutual of Omaha Investor Services, Inc., Continuum Worldwide Corporation and the Retirement Marketing Solutions.

United of Omaha was established in 1926. It has been popular very recently owing to its low prices for Plans F & G of Medicare Supplement Plans. The advantage is that it is licensed nationwide, but for New York.  United World was established in 1983. It is also highly popular in many states and this includes California and Pennsylvania. It is approved in every state except Connecticut and New York. Omaha Insurance Company was established in 2006 and started providing in many states of Medicare Supplement plans of insurance. Many recipients of Medicare are buying their plans as they find the price is appropriate and the insurance company, Mutual of Omaha Medicare is offering first class service, without causing any unnecessary delay to the customers.

ARE YOUR HORMONES MAKING YOU FAT?

You’re doing everything “right” – eating healthy foods, working out, getting a decent amount of sleep, for instance – so why is it that you still don’t seem to be making any progress in terms of your health or overall shape?  Or worse, feeling even heavier thanks to bloating or a frustrating, seemingly endless plateau? While our lifestyle choices still play the most important role in our health, the culprit behind that pesky unshifting bulge could be hidden in your hormones.

Hormonal imbalance which can be caused by anything from lifestyle factors to the foods we eat – can mess with our bodies’ ability to use up good fats, and let our glands and other bodily functions operate at their best, fueling undue weight gain. In most cases one of the Medicare supplement plans in 2019 will cover your deductibles and co-pays.  Enroll in a 2019 advantage plan at https://www.medicareadvantageplans2019.org

While hormone imbalance doesn’t have a one size fits all answer, there are certain facts about the issue that do apply to all of us- some that, if we’re made aware of, could make an immense difference in everything from our weight to our moods, our skin, and how well we sleep at night.

Despite the fact that the world seems to be on an upward trend of more health-conscious lifestyles, it’s an oft-forgotten fact that hormones can have a huge effect on our bodies in so many ways- and that achieving our optimal physical state, be it in how we look or how we function, is about much more than simple eating the right diet or hitting the gym hard or often enough. But fiddling with our hormones isn’t a quick fix solution to all of our health problems, either – a combination of both is essential. Both hormones and lifestyle factors affect health and body composition. Because hormonal manipulation is somewhat of a new ‘trend’ and seems like an easy solution, people may dismiss lifestyle factors.

Weight gain, or the inability to lose even on low calorie diets, is just one of many symptoms of low thyroid hormone production. Other symptoms related to hyperthyroidism include chronic lethargy, thinning or excessive hair loss, depression, hormonal imbalances, intolerance to cold temperatures, as well as high levels of triglycerides and cholesterol in the blood.

Stress is one of the main factors that causes hormonal imbalances. When you are chronically stressed for years on end, or go through very traumatic events, the adrenal glands’ production of hormones can be affected. In very layman terms, this can result in any or all hormones being affected. So, don’t stress yourself and keep your hormone levels at the right level!

 

 

Why is Medicare Supplement Plan C Going Away?

There has been a lot of fuss about this new rule that is coming up: Medicare supplement plan C is going away soon. What does this mean for those who are already enrolled to it?  Get a new plan at https://www.bestmedicaresupplementplans2019.com/

It´s not going away for current members

Anyone who is already enrolled to this plan or enrolls before January 1st, 2020, will still be able to use the benefits of this plan.

No new members after 01.01.2020

Starting this day, supplement plan C will no longer be offered to new members. This has been decided by congress and the one thing that is making the plan C go away, is the fact that it covers for the Medicare part B deductible. This is an amount of 183$ that needs to be paid annually. The Congress is not allowing any health insurance company cover for this rate anymore, as they are trying to prevent people from using health care services “too much”. This means, that more and more people have started to use health care services even for colds or a flu, or for small paper cuts and pain in the fingers. This has led to high costs for the health insurance companies, higher than what´s being covered by the premium rate. To prevent a collapse, Congress has interfered. The new rule should help, as when people have to pay a certain amount for it, they will start thinking twice before going to visit the doctor.

Existing members are worried

The most of the fuss around this issue has been due to the worries, that now the existing members have. No new members two years from now, means that the existing members will only get older and older. The older a person get, the more health care services they need. This has been proven. Therefore, the health insurance company will have more and more costs and less members that put in money by pacing their premium rates. This leaves the existing members thinking: will the premium rate for supplement plan C drastically increase? Is it better to switch to another plan before this happens?

The good thing is, there is still some time to think this through. Despite what everyone´s been worrying about, professionals say that an increase of the premium rate is not to be expected, and that if any, the increase will be minimal and not drastic.

However, if you´re one of the people that like to have a back-up plan, just in case, the supplement plan G has shown to be a good alternative. This one covers for all expenses, apart for the Medicare part B deductible. This makes it ideal, as it won´t be affected by the new rule, while still covering for most of your benefits. The premium rate for this supplement plan is also not that much higher than the costs for the Medicare supplement plan C. Medicare supplement plan D comes second in line, as this one also covers for almost everything, apart the Medicare Part B deductible and excess charges.

The Medicare Supplement Plan D offers the same as plan L… or does it?

 

When it comes to Medicare supplement plans, some are so similar to one another, that you don´t really know which one of them to choose from, as they both offer pretty much the same thing. The Medicare supplement plan D offers the same benefits as the Medicare supplement plan L, but there is a catch!  Enroll at https://www.medicaresupplementplans2019.com

What both cover

Both Medicare supplement plan D, as well as Medicare supplement plan L, will cover for the expenses for:

  • Health insurance for travelers, who are outside the U.S
  • Medicare part A deductible
  • Hospice care coinsurance and copayments, for those who are part of Medicare part A
  • The first three pints of blood (per year)
  • Copayments and coinsurance of Medicare part B
  • Hospital costs and copayments of Medicare part A

The catch is, that while Medicare supplement plan D covers these expenses fully, the Medicare supplement plan L has a limited coverage amount. These costs will only be covered up to a 75% by the Medicare supplement plan L:

  • Expenses for the first three pints of blood
  • Part B co-insurance expenses
  • Hospice co-insurance expenses
  • Co-insurance for skilled nursing facility
  • Part A deductible expenses

As this Medicare supplement plan covers only 75 % of the expenses, the premium rate for it will cost less too. Upon making a decision, you need to make sure to compare these benefits to your own personal needs. If you´re completely satisfied with having to pay 25% of the bill, but therefore less for premium rates every month, than a supplement plan L will be more than enough for you! If, however, you have frequent visits to health care providers, going the full insurance way might save you money in the long run. Instead of having to pay 25% each time you visit the doctor´s office, you can rather pay a higher premium rate each month, but therefore know that this will also be the only expense you will need to pay for.

Medicare supplement plans are all available only to those who are enrolled to Medicare part A or B first. So, whether you choose the Medicare supplement plan D or the Medicare supplement plan L, make sure to enroll to Medicare part A or B first. Also, check when your open enrollment period is. If it is soon, you might just want to wait for when it comes, before enrolling to a Medicare supplement plan. During your open enrollment period the premium rates will be as low as they get and it is guaranteed you won´t get better offers than during this time. For those who don´t know when it is, the open enrollment period starts on the fay when you turn 65 and lasts for up to 6 months after the day of your birthday. Once this period is gone, premium rates will go higher and health insurance companies might even deny you enrollment, due to possible health conditions. This is something that is not allowed either during open enrollment.

 

Medicare Covers Dental Benefits is that true?

Medicare covers only the services and supplies essential medically. The Part A and B of the Original Medicare offering coverage is limited to most dental services, but some services do offer cover under certain circumstances. Medicare supplement plans actually do not cover routine checkups, cleanings, or fillings. Medicare does not cover dentures. Thus, if you need dentures, you have to pay the cost. Likewise, the Medicare supplement plans do not cover braces.

 

Medicare covers dental services required protect overall health or in case there is a need for a dental service prior to any other health service that is to be performed as it is covered by Medicare. Medicare supplement plans do not pay for dental care follow-up or for the hospitalizations that are dental-related. Medicare covers dental services in these circumstances:

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  • You require a jaw surgery to treat the face fractures.
  • You have disease of your jaw and need dental services prior to receiving radiation treatment.
  • You require dental splints due to the jaw surgery.

 

Medicare Advantage plans is expected to provide the same benefits at least as Part A and Part B original Medicare, and may provide more dental benefits in comparison to Original Medicare. However, some plans are not inclusive of additional dental benefits, and those doing may charge higher premiums, copayments or coinsurance. Thus, it is important to know the actual Medicare supplement plans dental cover.

 

Are Dental Implants covered?

Bottom of Form

A dental implant is anchored to the mouth structure to the jawbone and it serves replacing a failed natural root. Generally, it is attached to a tooth replacement or bridge.

 

Part A and B of the original Medicare have no cover for the dental implants and it also does not cover the routine dental care. The Medicare Advantage plans in some types include the routine dental services. Medicare Part C, Medicare Advantage offers a way of acquiring Original Medicare coverage through a health insurance private company that is Medicare-approved. Thus, the Medicare Advantage plans are expected to offer the same benefits as Part A and Part B, while the plans include coverage as dental care and coverage for prescription drug as routine care.

 

If you wish to know about Medicare Advantage plans, ask about its dental implants and services coverage. Be aware that you must continue paying Part B premium monthly, in association with the Medicare Supplement plans or Advantage plans cover premiums.

5 Foods seniors should avoid

Just eating foods that are considered healthy and consuming the right nutrients it is not enough if you want to have a balanced diet. There are some foods you should eat moderately and even eliminate from your diet if you want to be healthier, especially if you have a chronic condition. There is also a high risk of food poisoning among seniors and some foods make that easier. In this article we will present 5 foods seniors should avoid.

  1. Processed foods

     Choosing pre-packaged foods is very frequent among seniors as they are very simple to prepare and consume. However, these foods can be really bad for your health. They usually contain a large amount of sugar, artificial ingredients, chemicals, preservatives, salt, sodium and unsaturated fats. Because of this, consuming too many processed foods can be dangerous for seniors, especially if they suffer from a condition like heart disease, diabetes or hypertension.

We know, these foods are usually very tasty and addictive, but choosing natural options will be better for your health. Eliminate them little by little and replace them with better options. If you are going to buy them, read the labels carefully and choose the one with less sugar or salt.

 

 

  1. Raw seafood

Mussels, oysters, clams and lobsters are very tasty and full of nutrients, but if they are consumed raw they can be dangerous. Raw fish can contain parasitic worms that can cause illness. It is important to cook seafood properly to kill worms.

Be careful when consuming sushi, especially if it is your first time preparing at home. Fish has to be frozen before using it so bacteria can die. If you are not sure about consuming sushi in a restaurant, ask how they prepare it or choose another dish.

  1. Sugary drinks

Sodas, sport drinks and bottled juices are very tasty and may seem as a good option if you don’t want to make your own juice, however, these drinks contain a ridiculously amount of sugar. Even diet sodas are unhealthy: although they are made with artificial sweeteners, they contain lots of ingredients and chemicals that have been associated with health problems. These drinks also contain large amounts of caffeine.

The best option for you is preparing your own juices and smoothies at home, they are very fast to prepare and way healthier.

  1. Raw or undercooked meat

     Consuming raw or undercooked meat can be very dangerous because raw meat can contain bacteria and parasites, like salmonella or E. coli, which could lead to food poisoning.  Watch out when you consume food in the street, especially burgers, sausages and pork. Try to avoid foods like Carpaccio or steak tartare, as they are made with raw meat.

These tips also apply to cold meats, like salami, because they are cured and fermented, not cooked, so they could also contain bacteria.

  1. Empty calories

As we have mentioned in other articles, when we are older we need fewer calories and more nutrients, so it is important to have a balance in our diet to make sure we are consuming all that we need.

When we talk about “empty calories”, we are talking about foods that have lots of calories and very few nutrients at the same time. This means that although they are high in calories, they have no nutritional value. This kind of calories is usually found in fast food, like French fries or donuts, and they usually contain a lot of sugar and salt.

If you end up with medical bills from eating bad food, many find they are difficult to pay.

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We know they are delicious and you are not going to die if you consume them from time to time, but eating empty calories regularly is very unhealthy and can lead to obesity, diabetes and high blood pressure.

 

Seniors and Health

As people get older, they may have the idea that being fit is not a priority. But being aware of your fitness in later years is definitely a great concern. If a disease is something a person is dealing with, it is most important to keep active to help all the body’s functions operate optimally.

Without daily activity, a person may feel weak and have low energy. Exercise will help keep the body healthy and help to ward off many illnesses. Besides building strength, doing simple exercises will help to insure a person’s outlook of mind and body. Taking a daily walk for at least 20 minutes a day is a great way to start. As your body becomes acclimated to walking, you may find you are able to walk longer and farther.

Some people may feel like giving up and just sit their days away as they get older. They may feel they don’t have the energy to get up and move. Somehow they should get out there and find an exercise that gets their hearts pumping. We can’t stop ourselves from getting older, but we can have a much better journey in getting there.

There are several ways to get your exercise daily. When you go shopping, park several rows from the entrance to the store to make yourself take those extra steps to get there. We are supposed to walk 10,000 steps a day and that may seem impossible. If we challenge ourselves, we can find various ways to get them in.

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While at the mall or shopping plaza, one could make the effort to walk around the stores several times. There are walking clubs that walk the malls. If you don’t want to join a club, you can go and walk the mall several times three times a week and you’ll be surprised how many steps you will get in. This walking can be done anytime, because the mall will be air conditioned and protect you from any inclement weather. So there will be no excuses.

The senior centers around the country will offer free exercise classed that are geared for seniors and their disabilities. Some centers will have a bus service to pick you up and take you home.

A senior can also take advantage of the many internet videos available for exercising. Some are free and may cost some, but then they are yours to use whenever you like.

Check with your doctor before starting any exercise program.